Stocks, Bonds, Funds – What’s The Difference?

Posted on May 19, 2013 by Burn Gutierrez

It’s back to basics once again for our readers and OFW UsapangPiso Forum members.

Why go back to basics? Because only less than 1% of the Filipino population are investing. And it is presumed that almost half of that 1% are plainly putting their money in financial instruments such as stocks, funds, and bonds without even knowing the basic principles and concepts of investing. We really need a lot of catching up to do to reach out to the rest of the country.

For today’s post, I will be embedding video clips from various resources like Pesos and Sense, Investopedia, and InvestingAnswers. Continue reading →

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Best Starts with Dad

Posted on May 15, 2013 by Burn Gutierrez

Society honors mothers as the ones responsible for the nourishment of their kids. She carries the image of the one who cradles a child in her loving arms.

But many may be forgetting, if not ignoring, the fact that fathers play similar important roles as mothers by being the ones who guide their children as they grow by teaching them certain skills: riding a bike to fixing a light bulb to using a fishing rod to even driving a car. He also usually inspires the children to save money.

Fathers also partner with their spouses in making household decisions. He shows his ability to provide the means for continued nourishment and to protect his children. Continue reading →

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Congratulations, You Wasted Money (And Making Excuses Again)

Posted on May 14, 2013 by Burn Gutierrez

As promised, here’s the third outing of my “Congratulations” series to awaken our brethren and to bring them out of their senses. We do this to let them realize how they are losing money by spending beyond their means and how they are wasting opportunities to grow their little cash that they didn’t know what to do with in the first place.

The “Congratulations 1 and 2 were focused mainly on gadgets and expenses that should have been invested directly in stocks. If they only followed our recommendation to invest during the time they spent their hard-earned money (or borrowed maybe), they could have earned so much today they didn’t have to borrow money just to buy them.

Today, we will shift our gears in another investment vehicle called mutual funds. People who always had excuses that they don’t have time to time the market or to even check their portfolio at least once a month, investing indirectly in stocks via equity/stock funds of these mutual funds could be their last option to maximize their money’s growth. Vehicles with returns that will make them realize how they’re losing opportunities to become richer by procrastinating and spending on things that in reality they could not afford to buy. Continue reading →

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Investing Your Bonus Through BPI’s RSP or Regular Subscription Plan

Posted on May 13, 2013 by Burn Gutierrez

It’s Election Day in the Philippines today and most of the people either flocked to their polling precincts or just glued their noses on their TV sets for developments. As for me, I am still on an ecstatic mode because the Barangay has finally booked the slot to the PBA Finals this season after 2 years of title drought so I just answered questions and inquiries from blog followers and forum members with a big smile. ;)

One of my blog followers sent me a message this morning telling me that she has been reading all my blog posts and that my article “A Janitor Invests in the Stock Market for P500″ caught her attention the most.

She was actually asking for an alternative to BDO’s EIP on UITFs (unit investment trust funds) since there is no BDO branch in her place. The only major bank that has a branch in their city is the Bank of the Philippine Islands (BPI).

Here’s her message: Continue reading →

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The Dying Art of Cost Averaging

Posted on May 11, 2013 by Burn Gutierrez

Not a few friends whom I introduced to stock market investing have already went on to become “experts” in their own rights. It’s understandable, anyone has the right to advance further his/her knowledge in everything. Everyone has the freedom to move forward.

I remember teaching a couple of friends on how to play the guitar back in high school. After less than a year of extreme and hardcore practice, the two guys went on from just being “rhythm guitarists” to becoming the hottest, loudest, lead guitar players not only in school but in the whole town back then.

The once honest purpose of just expressing their emotions through guitar-playing has found their new talent as their gateway to popularity and public acceptance. They didn’t want to be left behind in the local music scene. Continue reading →

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iCON2013 Web Preview/Webcast with Randell and Marvin

Posted on May 8, 2013 by Burn Gutierrez

In preparation for Randell Tiongson‘s i-Con 2013: The No Nonsense Investments Conference” happening on June 22 at the SMX Convention Center, Roxas Blvd., Pasay City, the OFW UsapangPiso Group is pleased to present the i-CON2013 Web Preview/Webcast on May 10, 2013, Friday at 9pm (Philippine Time).

 

The FREE webcast will feature the sagacious Mr. Stock Smarts, Marvin Germo, and the enigmatic personal finance guru Randell Tiongson, two of the four biggest names in finance in the country (financial planning expert Mr. Efren Cruz and celebrity money man Chinkee Tan as the other two).

This fun Q&A session is sincerely dedicated to the men and women of the OFW force and their families back home who Randell and Marvin believe are in urgent situations to improve their finances and how they should handle them. Continue reading →

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Are You Concerned About Your Parents’ Retirement?

Posted on May 7, 2013 by Burn Gutierrez

Many among our new investors are concentrated mostly only on their personal present and future welfare. In the same way that most are very busy monitoring their portfolios or keeping themselves glued to the business news, save for the lifestyle or showbiz, many have also seem forgotten that they still have parents to take care of. Especially those whose parents were not able to plan their finances when they were younger.

Just as we are on the momentum of having our finances move on the right track, there will come a time that we will need to give special attention to our parents’ financial needs in the latter part of their lives.

A week to go before Mother’s Day and a month before Father’s Day, shouldn’t we start planning for their retirement years as our gift for them? Continue reading →

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Sell in May Then See A Movie for Free from AyosDito.ph

Posted on May 6, 2013 by Burn Gutierrez

The Philippine stock market continues to rise and break record after record to win another investment grade from Standard & Poor’s this time. Some traders have started to reap the fruits of their sacrifice, staying up late at night staring at candlesticks, triangles, wedges, heads, shoulders, etc. Time for some clean good fun, perhaps? Or get into tangible business this time around with your stock proceeds?

One good start in going entrepreneurial is through buying and selling products and services online. Regardless of your interest or background, marketing and selling your products these days are done much better through great websites like AyosDito.ph.

Personally, I’ve done selling some old stuff and even new ones through AyosDito.ph with much ease. I also get to find good buyers immediately especially when I need the cash. The choices of products also look great, especially if you are into gadgets, properties, or even cars.

So if you are going into business and have been worrying about where to market your products or services effectively, then AyosDito.ph is the best buy and sell online platform for you. Continue reading →

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On Yen, Investing and Insurance

Posted on May 5, 2013 by Burn Gutierrez

I will be posting today a Q&A posted at the Ask The Experts section of the OFW UsapangPiso Facebook group instead of my usual posts.

In this section, members can submit questions to the forum’s panel of renowned financial and life planning coaches, investment experts, and successful mentors. The answers are then published in the section as a reply.

I believe a lot of OFW’s will surely relate to this question addressed to Fitz Villafuerte by a a couple of OFW forum members. Continue reading →

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